Design for initial expired default password

[Joseph Reynolds]

I pushed an OpenBMC design to [Gerrit review][] for the OpenBMC project 
for a new distro or image feature (disabled by default) which causes the 
initial password to be disabled by default, so the password has to be 
changed before using the BMC.

This design is intended to make it easier to comply with the new CA law 
[SB-327][] which becomes effective on 2020-01-01 (in 5 months).

- Joseph

[Gerrit review]: https://gerrit.openbmc-project.xyz/c/openbmc/docs/+/23849
[SB-327]: 
https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180SB327